To

Chief Executive Officers of All National Banks and Federal Savings Associations; All State Banking Authorities; Chairman, Board of Governors of the Federal Reserve System; Chairman, Federal Deposit Insurance Corporation; Conference of State Bank Supervisors; Deputy Comptrollers (Districts); Assistant Deputy Comptrollers; District Counsels; and All Examining Personnel

The above-named bank has reported that counterfeit cashier’s checks using a correct routing number of 281573013 are being presented for payment nationwide in connection with a home health care job opportunity scam listed on Care.com.

The counterfeit checks resemble the authentic items but may be identified by the following: Counterfeit items are light blue in color and contain a navy blue bank logo. The following security statement is printed in the top border: “THIS DOCUMENT HAS SECURITY FEATURES IN THE PAPER.”

Counterfeit items presented to date contain a remitter name of Lynn Jack and are made payable in the amount of $3,500.

The email correspondence pertaining to the overpayment scam appears to be sent from persons named Andreea Schmidiger, Kileen Chackee, Donna Pring, and Catherine Reede, although other names may be used. Each recipient of the bogus job offer is informed via email that a check will be sent to him or her by a mailing agent. The recipient is then sent a counterfeit check made payable for a larger amount than what was agreed upon. The potential victim is then instructed to deduct his or her first week’s pay and wire the remaining balance to a third party in New Mexico.

For additional information and guidance and to verify the authenticity of F&M Bank and Trust Company’s cashier’s checks, please contact Joy Bishop, by mail at 505 Broadway, Hannibal, MO 63401, by telephone at (573) 221-6424, x375, or by email at jbishop@bankfm.com.

Consumers who receive counterfeit or fictitious items and associated material should file complaints with the following agencies, as appropriate:

U.S. Department of the Treasury, Office of Inspector General (OIG): by telephone at (800) 359-3898 or by visiting the OIG website.

National Consumers League (NCL): by telephone at (202) 835-3323 or by email. To file a fraud complaint, visit the NCL fraud website.

Better Business Bureau (BBB): The BBB system serves markets throughout Canada, Puerto Rico, and the United States and is the marketplace leader in advancing trust between businesses and consumers. The website offers contact information for local BBBs, objective reports on more than 2 million businesses, consumer scam alerts, and tips on a wide variety of topics that help consumers find trustworthy businesses and make wise purchasing decisions.

If correspondence is received via the U.S. Postal Service, contact the U.S. Postal Inspection Service by telephone at (888) 877-7644; by mail at U.S. Postal Inspection Service, Office of Inspector General, Operations Support Group, 222 S. Riverside Plaza, Suite 1250, Chicago, IL 60606-6100; or via the online complaint form.

Additional information concerning this matter that should be brought to the attention of the Office of the Comptroller of the Currency (OCC) may be forwarded to